Build a house or get one off the gallery?

Unless I'm going for something very specific, like recreating my real home in the game, I usually download a building from the gallery, throw out half of the furniture and redecorate, partly because I want to tailor it to the sims who are going to live there, and partly because builders tend to annoy me with their overuse of clutter and MOO. I'm not great at building, especially exterior facades and roofs, so I appreciate the option to have that done by people who are much more talented, and concentrate my own efforts mainly on the interior design. (And that alone usually takes longer than I have the patience for it, with none of the stuff matching the way I need it to...)